Izigwebo lethiyori kwiibhanki kunye nemisebenzi zebhanki kokusingqongileyo macroeconomic

Yinto eyaziwayo ukuba kujoliswe kakhulu iingxoxo iibhanki kunye nemisebenzi zebhanki, ugxininise isifundo yamaziko ngamnye mali, nto leyo ngexesha eqhelekileyo yokushishina hayi ijongene kuphela ingxaki yokunqongophala yokuhlawula amatyala, amatyala kunye nozinzo, lizama iingozi kwishishini zebhanki yaye kamva kwathiwa yayiwa . Lidla Kubonakala ukuba le mibutho zilawulwa kakuhle, maxa wambi ubungqina zobuqhetseba zemali aye aqatshelwa. Uhlalutyo iimeko ezinjalo ngokubujongela ukuba ukuseka neentsilelo inkqubo esweni nokulungelelanisa zebhanki.

Injongo yale yokucinga ayizami ukuphonononga zonke iintlobo zemisebenzi zebhanki okanye ukuchonga oonobangela ukuhlawula amatyala okanye ungonakala beebhanki zorhwebo ezithile, ikakhulu ngenxa yokuba akukho iimeko ezimbini twatse ngokupheleleyo, ngaphakathi nangaphandle kunye nezinto ezichaphazela imeko ebhankini, ezinokusetyenziswa ukulinganisa, ibhanki lifumana iingxaki uvavanyo bank yangoku. Nakuko kwimeko azihlole yeziphumo bayo ezingacacanga ngokwaneleyo, ekubeni kuya sase- kuphela. Ukongeza, sithetha ngayo iibhanki kunye nomsebenzi zebhanki, kufanele kuqatshelwe ukuba zonke iibhanki zorhwebo zisebenza atshintsha rhoqo iimeko zoqoqosho ukuqikelela ukuba iqondo ezaneleyo lilonke nje kuphela, kodwa kananjalo izinto ezifanayo babe negalelo ezahlukileyo okanye kwelinye ibhange. Imiba yangaphakathi, eyona ibaluleke ngakumbi kuzo inkqubo yolawulo ebhankini, ngokwesakhono esisesikweni, ukukwazi ukusebenzisa kakuhle ezikhoyo, izibonelelo zemali kunye phambili ngemiphumo yezigqibo kunye nokusebenza nazo ezahlukeneyo ukwenzela ngamnye ngamnye.

Nangona iimpawu ezikhankanywe apha ngasentla ukusebenza kwawo onke kukho ithuba, ukuthetha kwiibhanki kunye nemisebenzi zebhanki, ukuba iimpawu beebhanki zawa yaye kamva ishiywe, nto leyo eza ezisekelwe ubukhulu becala kwiziphumo kuhlalutyo inani ubuninzi iingxelo zemali ingqalelo amaziko. Injongo kukuba lokubonisa ubukho ulwalamano ozinzileyo kobude phakathi utshintsho kwimeko yoqoqosho olukhulu, imeko egcina imali kunye nenkqubo zebhanki, nokuhlola impembelelo into yokuba yokuvala iibhanki zorhwebo kwi imeko imeko enjalo. Kulo mzekelo, ukuhlola ifuthe eli nyathelo, thina ezichaza amathuba yonyaka engagqibekanga ye kwiibhanki zorhwebo yi indlela mathuba, ngenxa ukubala eziya kufumana iseti ekhethekileyo ekuthethwa zonyaka. uthelekiso babo Iimpawu zoqoqosho zikuvumela ukuba usethe ukwaqinisekisa ubukho ulwalamano olunjalo. Kufuneka uthathe ingqalelo ukuba eli nani nje abstract kwaye isicelo kuphela sothelekiso ngakumbi inkqubo kutshintsha ubume kwiibhanki zorhwebo zalathisi zoqoqosho ekhethiweyo. Ukuthetha ngokukodwa iibhanki kunye nemisebenzi zebhanki, oko Kungaphikiswa ukuba eli nani ibonisa njani, utshintsho minyaka ikhalenda kwi amathuba engagqibekanga ye neebhanki zorhwebo, zonke ezinye izinto ilingana (olwangaphakathi nolwangaphandle) ngokuxhomekeke kwisixa yeebhanki kwavala kuphela.

Kufuneka kuqatshelwe ukuba indlela mathuba isetyenziswa ngokubanzi nokunikwa ukufunda correlations of sokungagqibeki ezifumanekayo ixabiso eliyimali le -asethi kulo mkhuba ngamazwe ekuvavanyeni amathuba portfolio engagqibekanga ekuthiwa asset-value ndlela.

Ngaphaya koko indlela mathuba ukuze kuphunyezwe iziphumo efanayo lingasetyenziswa indlela okuba iphezulu (indlela okuba maximum).